:root{--deep:#0A3D52;--deep-d:#072B3A;--aqua:#1FADC7;--aqua-d:#0B7285;--aqua-dd:#085868;--gray:#4A5760;--line:#DCE8EC;--tint:#E7F6F9;--ink:#0F2530;--bg:#fff;--warn:#FFF4DC;--warn-b:#E3B34A;--r:16px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px}
h1,h2,h3,h4{font-family:'Poppins','Inter',system-ui,sans-serif;letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
img{max-width:100%;height:auto}
a{color:var(--aqua-d)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:var(--ink);padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--aqua-d);color:#fff;font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:100px;box-shadow:0 10px 22px rgba(11,114,133,.28);border:2px solid var(--aqua-d);min-height:48px}
.btn:hover{background:var(--aqua-dd);border-color:var(--aqua-dd)}
.btn:focus-visible,a:focus-visible,button:focus-visible{outline:3px solid #F5B301;outline-offset:2px}
.btn-light{background:#fff;color:var(--deep);border-color:#fff;box-shadow:none}
.btn-light:hover{background:var(--tint);border-color:var(--tint)}
.btn-deep{background:var(--deep);border-color:var(--deep);box-shadow:none}
.btn-deep:hover{background:var(--deep-d);border-color:var(--deep-d)}
.btn-sm{font-size:14.5px;padding:10px 20px;min-height:44px}
.btn-block{width:100%}
.topbar{background:var(--deep-d);color:#C4DCE4;font-size:13.5px;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:#7FE0F2;font-weight:700;text-decoration:none}
.hdr{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:40}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:'Poppins',sans-serif;font-weight:700;font-size:18px;white-space:nowrap}
.logo img{display:block;width:44px;height:44px}
.logo-text span{color:var(--aqua-d)}
.mainnav{display:flex;align-items:center;gap:4px}
.mainnav>a,.nav-drop>button{color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:inherit;border-radius:8px}
.mainnav>a:hover,.nav-drop>button:hover{color:var(--aqua-d);background:var(--tint)}
.nav-drop{position:relative}
.dropmenu{list-style:none;display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 40px rgba(7,43,58,.18);padding:14px;z-index:60;min-width:260px}
.dropmenu.wide{min-width:720px;left:auto;right:0;grid-template-columns:repeat(3,1fr);gap:6px 22px}
.dropblock{list-style:none}.dropblock ul{list-style:none;margin:0;padding:0}
.nav-drop:hover>.dropmenu,.nav-drop:focus-within>.dropmenu,.nav-drop.open>.dropmenu{display:block}
.nav-drop:hover>.dropmenu.wide,.nav-drop:focus-within>.dropmenu.wide,.nav-drop.open>.dropmenu.wide{display:grid}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:7px 10px;color:var(--ink);text-decoration:none;font-size:14.5px;border-radius:8px}
.dropmenu a:hover{background:var(--tint);color:var(--aqua-d)}
.dropgroup{font-family:'Poppins',sans-serif;font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--gray);padding:8px 10px 2px;font-weight:600}
.menu-toggle{display:none;background:var(--deep);color:#fff;border:0;border-radius:10px;padding:10px 14px;font-weight:700;font-size:15px;cursor:pointer;min-height:44px}
.mobile-nav{display:none;background:#fff;border-top:1px solid var(--line);padding:10px 24px 20px}
.mobile-nav.open{display:block}
.mobile-nav h2{font-size:12px;letter-spacing:.09em;text-transform:uppercase;color:var(--gray);margin:14px 0 4px;font-weight:600}
.mobile-nav ul{list-style:none}
.mobile-nav a{display:block;padding:11px 4px;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobile-nav .btn{margin-top:14px;color:#fff;border-bottom:2px solid var(--aqua-d)}
/* heroes */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden}
.hero{background:linear-gradient(135deg,var(--deep-d) 0%,var(--deep) 55%,#0F5E78 100%);color:#fff;padding:70px 0 64px}
.pagehead{background:linear-gradient(135deg,var(--deep-d) 0%,var(--deep) 60%,#0F5E78 100%);color:#fff;padding:54px 0 50px}
.pagehead.plain{background:linear-gradient(135deg,var(--deep-d) 0%,var(--deep) 60%,#0F5E78 100%)}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.has-hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(7,43,58,.92) 0%,rgba(7,43,58,.78) 55%,rgba(7,43,58,.55) 100%)}
.hero h1,.pagehead h1{color:#fff}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--deep);font-weight:700;font-size:13px;padding:7px 14px;border-radius:100px;margin-bottom:16px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:#D93A3A;box-shadow:0 0 0 4px rgba(217,58,58,.25)}
.badge-alt{background:#FFD25E;color:#3A2A00}
.hero h1{font-size:clamp(30px,5vw,44px);margin-bottom:16px}
.hero h1 span{color:#7FE0F2}
.hero p.lead{color:#D5E7ED;font-size:18px;max-width:560px;margin-bottom:24px}
.pagehead h1{font-size:clamp(28px,4.6vw,38px);margin-bottom:12px}
.pagehead p.lead{color:#D5E7ED;font-size:17px;max-width:640px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:8px 20px;flex-wrap:wrap;color:#D5E7ED;font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:#7FE0F2}
.crumb{color:#BFD8E0;font-size:13px;margin-bottom:12px}
.crumb a{color:#fff}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap;list-style:none}
.chip{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.3);color:#fff;font-size:13px;font-weight:700;padding:6px 14px;border-radius:100px}
.chip:before{content:"\2713\00a0";color:#7FE0F2}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.zip-chip{background:#fff;color:var(--deep);border-radius:100px;padding:6px 14px;font-weight:700;font-size:14px}
.herocall{background:#fff;color:var(--ink);border-radius:var(--r);padding:22px;text-align:center;min-width:250px}
.herocall .lbl{color:var(--gray);font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.herocall .num{font-family:'Poppins',sans-serif;font-weight:700;font-size:24px;color:var(--aqua-d);margin:6px 0 12px;display:block}
/* gauge */
.gauge{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);border-radius:20px;padding:26px;color:#fff}
.gauge h2{font-size:15px;color:#BFD8E0;margin-bottom:16px;font-weight:600;letter-spacing:.04em;text-transform:uppercase}
.gauge ol{list-style:none;position:relative;padding-left:28px}
.gauge ol:before{content:"";position:absolute;left:8px;top:6px;bottom:6px;width:4px;border-radius:4px;background:linear-gradient(180deg,#7FE0F2,#1FADC7 60%,rgba(255,255,255,.25))}
.gauge li{position:relative;padding:9px 0;font-size:14.5px;color:#E5F1F5}
.gauge li:before{content:"";position:absolute;left:-26px;top:15px;width:12px;height:12px;border-radius:50%;background:#fff;border:3px solid #1FADC7}
.gauge li b{display:block;color:#7FE0F2;font-family:'Poppins',sans-serif;font-size:13px;letter-spacing:.03em}
.gauge .src{margin-top:12px;font-size:12px;color:#BFD8E0}
.tidewave{height:46px;background:var(--tint);line-height:0}
.tidewave svg{display:block;width:100%;height:46px}
/* sections */
.strip{background:var(--tint);padding:18px 0}
.strip ul{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px 22px;list-style:none}
.strip li{font-weight:700;font-size:14.5px}
.strip li:before{content:"\2713\00a0";color:var(--aqua-d)}
.emergency{background:var(--deep);color:#fff;padding:22px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px;color:#fff}
.emergency p{font-size:14.5px;color:#D5E7ED}
.sec{padding:64px 0;background:#fff}
.sec.tint{background:var(--tint)}
.kick{color:var(--aqua-d);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2,.article h2{font-size:30px;margin:8px 0 18px}
.article h3{font-size:19px;margin:20px 0 8px}
main p{max-width:74ch}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.bul,main ol.bul{margin:14px 0 0 22px;max-width:74ch}
main ul.bul li,main ol.bul li{margin-bottom:8px}
.sec-head p{color:var(--gray)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card h3{font-size:17.5px;margin:0 0 8px}
.card p{font-size:15px;color:var(--gray);margin:0}
.card p+p{margin-top:10px}
.card a{font-weight:700}
.tint .card{background:#fff}
.group{margin-top:34px}
.group h2,.group h3.gname{font-size:20px;margin:0 0 6px}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:22px}
.whycard{background:#fff;border-radius:var(--r);padding:22px;border:1px solid var(--line)}
.whycard .num{width:40px;height:40px;background:var(--deep);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Poppins',sans-serif;font-weight:700;margin-bottom:12px}
.whycard h3{font-size:16.5px;margin-bottom:6px}
.whycard p{font-size:14.5px;color:var(--gray)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:22px;list-style:none;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;counter-increment:s;position:relative}
.step:before{content:counter(s);display:flex;width:38px;height:38px;border-radius:50%;background:var(--aqua-d);color:#fff;font-family:'Poppins',sans-serif;font-weight:700;align-items:center;justify-content:center;margin-bottom:10px}
.step h3{font-size:16.5px;margin-bottom:5px}
.step p{font-size:14.5px;color:var(--gray)}
.tablewrap{overflow-x:auto;margin-top:18px;border:1px solid var(--line);border-radius:12px}
table.cmp{border-collapse:collapse;width:100%;min-width:560px;font-size:14.5px}
table.cmp th{background:var(--deep);color:#fff;text-align:left;padding:11px 14px;font-weight:600}
table.cmp td{padding:11px 14px;border-top:1px solid var(--line);vertical-align:top}
table.cmp tr:nth-child(even) td{background:#F5FAFB}
.insurepanel{background:var(--deep);color:#fff;border-radius:20px;padding:30px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin-top:8px}
.insurepanel h3{font-size:22px;margin-bottom:8px;color:#fff}
.insurepanel p{font-size:15px;color:#D5E7ED;max-width:560px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:40px;align-items:start}
.article{min-width:0}
.sidecard{background:#fff;border:2px solid var(--line);border-radius:18px;padding:24px;position:sticky;top:24px;align-self:start}
.sidecard .skick{display:inline-block;background:#FDECEC;color:#8B1A1A;font-weight:700;font-size:12px;letter-spacing:.06em;text-transform:uppercase;padding:5px 10px;border-radius:100px;margin-bottom:10px}
.sidecard h3{font-size:19px;margin-bottom:6px}
.sidecard p{color:var(--gray);font-size:14.5px;margin-bottom:14px}
.sidecard ul{list-style:none;margin-top:14px;border-top:1px solid var(--line);padding-top:12px}
.sidecard li{font-size:14.5px;padding:4px 0}
.sidecard li:before{content:"\2713\00a0";color:var(--aqua-d);font-weight:700}
.sidecard .sidelink{display:block;margin-top:12px;font-weight:700;font-size:14.5px}
.midcta{background:var(--deep);border-radius:var(--r);color:#fff;padding:24px 28px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:34px 0;flex-wrap:wrap}
.midcta h3{font-size:20px;color:#fff;margin:0}
.midcta p{font-size:14.5px;color:#D5E7ED;margin:4px 0 0}
.urgent{background:var(--warn);border:1px solid var(--warn-b);border-left:6px solid var(--warn-b);border-radius:12px;padding:20px 22px;margin:20px 0}
.urgent h3{margin:0 0 8px;font-size:18px}
.urgent ul,.urgent ol{margin:8px 0 0 20px}
.urgent li{margin-bottom:6px}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}
.sign{background:var(--tint);border-radius:14px;padding:20px}
.sign h3{font-size:16.5px;margin:0 0 6px}
.sign p{font-size:14.5px;color:var(--gray)}
.prep{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}
.prepcard{border:1px solid var(--line);border-left:5px solid var(--aqua-d);border-radius:12px;padding:16px 18px;background:#fff}
.prepcard h3{font-size:16px;margin:0 0 4px}
.prepcard p{font-size:14.5px;color:var(--gray);margin:0}
.localnote{background:var(--tint);border-left:5px solid var(--aqua-d);border-radius:12px;padding:20px 24px;margin:26px 0}
.localnote h2{font-size:22px;margin:0 0 10px}
.costgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}
.costitem{border:1px solid var(--line);border-radius:12px;padding:16px 18px;position:relative;padding-left:26px;background:#fff}
.costitem:before{content:"";position:absolute;left:10px;top:16px;bottom:16px;width:4px;border-radius:4px;background:linear-gradient(180deg,#1FADC7,#DCE8EC)}
.costitem h3{font-size:16px;margin:0 0 4px}
.costitem p{font-size:14.5px;color:var(--gray);margin:0}
.faq{margin-top:10px}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;font-weight:700;font-size:16.5px;padding:14px 28px 14px 0;list-style:none;position:relative;font-family:'Poppins',sans-serif}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:4px;top:10px;font-size:24px;color:var(--aqua-d)}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 0 16px}
.faq .ans p{color:var(--gray)}
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:20px}
.areas a{background:#fff;border:2px solid var(--line);padding:16px;border-radius:14px;color:var(--ink);text-decoration:none;font-weight:700;display:block}
.areas a span{display:block;font-weight:400;font-size:14px;color:var(--gray);margin-top:4px}
.areas a:hover{border-color:var(--aqua-d)}
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.blogcard img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.blogcard .bc-body{padding:18px 20px 22px}
.blogcard h3{font-size:17px;margin-bottom:8px}
.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h3 a:hover{color:var(--aqua-d)}
.blogcard p{font-size:14.5px;color:var(--gray)}
.byline{color:var(--gray);font-size:14px;margin-top:10px}
.mapsec{background:var(--tint);padding:48px 0}
.mapsec h2{font-size:26px;margin-bottom:8px}
.mapsec p{color:var(--gray);margin-bottom:18px}
.mapframe{border:0;width:100%;height:380px;border-radius:14px;display:block;background:#fff}
.mapframe-sm{height:320px}
.ctaband{background:var(--deep-d);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{font-size:34px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;color:#D5E7ED;margin:0 auto 22px}
.ftr{background:var(--deep-d);color:#C4DCE4;padding:50px 0 30px;font-size:14.5px}
.ftr .wrap.fgrid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:30px}
.ftr h2{color:#fff;font-size:15px;margin-bottom:12px;font-family:'Poppins',sans-serif}
.ftr h3{color:#7FE0F2;font-size:12px;letter-spacing:.08em;text-transform:uppercase;margin:12px 0 4px;font-family:'Poppins',sans-serif;font-weight:600}
.ftr a{color:#C4DCE4;text-decoration:none;display:block;margin-bottom:6px}
.ftr a:hover{color:#fff;text-decoration:underline}
.ftr p{margin-bottom:6px}
.ftr .tel{color:#7FE0F2;font-weight:700;font-size:18px}
.ftr .logo{color:#fff;margin-bottom:12px}
.ftr .logo-text span{color:#7FE0F2}
.ftr .copy{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;font-size:13px}
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--deep);z-index:50;padding:10px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.2)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:16px;text-decoration:none;min-height:46px;background:var(--aqua-d);border-radius:100px}
.legal h2{font-size:22px;margin:26px 0 8px}
.err{padding:90px 0;text-align:center}
.err h1{font-size:clamp(30px,6vw,44px);margin-bottom:12px}
@media(max-width:900px){
.mainnav{display:none}
.menu-toggle{display:inline-block}
.hero .wrap,.pagehead .wrap,.twocol,.boxgrid,.insurepanel,.costgrid,.prep{grid-template-columns:1fr}
.cards,.why,.steps,.bloggrid,.areas{grid-template-columns:1fr 1fr}
.hero h1{font-size:34px}.pagehead h1{font-size:30px}
.ftr .wrap.fgrid{grid-template-columns:1fr 1fr}
.sidecard{position:static}
.herocall{min-width:0}
.logo{font-size:16px}
}
@media(max-width:640px){
.sticky-cta{display:block}
body{padding-bottom:70px}
.cards,.why,.steps,.bloggrid,.areas,.ftr .wrap.fgrid{grid-template-columns:1fr}
.wrap{padding:0 18px}
.sec{padding:46px 0}
.hero{padding:44px 0}
.hero h1{font-size:30px}
.topbar .wrap{justify-content:center;text-align:center}
.logo{font-size:15px;gap:8px}
.logo img{width:38px;height:38px}
.ctaband h2{font-size:28px}
}
@media(max-width:420px){.logo{white-space:normal;font-size:15px;gap:8px}.logo img{width:38px;height:38px}.logo-text{line-height:1.15}.logo-text span{display:block}.menu-toggle{padding:10px 12px}.hdr .wrap{gap:10px}}
main p,main li,main td{overflow-wrap:anywhere}
.dropblock .dropgroup{display:block;padding:8px 10px 4px}
.sec .wrap>p+h2,.sec .wrap>ul+h2,.sec .wrap>div+h2,.sec .wrap>iframe+h2{margin-top:36px}
.sec .wrap>p,.sec .wrap>ul.bul{max-width:780px}